Member

I use Swinton as a broker and whoever underwrites it! Cant remember who the actual company is insuring me now ill have to check but yeah public liability is pretty much a given in case you damage anything or anyone but as smurf says you will have to check exactly what it covers you and read carefully. Might want to consider personal accident cover to incase you are unable to work, i never went for it but some people with families and that would like to know they are covered perhaps?

Member

[SIZE=10.5pt]I personally wasted hours on the net and phone calls trying to get the cover for all the cleaning services I offer. Most I had to contact directly by phone then ask as it's not just window cleaning public liability I wanted. Most said they would have to call me back if they would cover it or not. [/SIZE]

[SIZE=10.5pt]That process drove me bonkers I must say until I found out that gleaming insurance as a standard policy covered the risks & services I wanted covered.[/SIZE]

[SIZE=24pt]About The Cover[/SIZE]
[SIZE=11.5pt]The policies we offer are underwritten by Hiscox Insurance Company Ltd and have been specifically designed for businesses in the cleaning industry. The main covers that we offer are Public Liability Insurance[/SIZE] and Employers Liability Insurance with the option to add cover for Machinery & Equipment Insurance, Hired or Owned Plant and cover for your business premises. [SIZE=16.5pt]Public Liability Insurance[/SIZE][SIZE=13.5pt]The Cover[/SIZE]
[SIZE=11.5pt]The policy will protect you if, as a result of your business, any party brings a claim against you (for which you are legally liable) for:[/SIZE]

[SIZE=12pt]bodily injury or property damage occurring during the period of insurance[/SIZE]

[SIZE=12pt]personal injury or denial of access committed during the period of insurance[/SIZE]

Was with simply business would not recommend them at all, gleaming all the way!!

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Why? Have you had reason to claim on public liability insurance? Please explain. I use them for 2 years with no problems. I pick up lots of commercial work and the insurance is included in my RAMS and all the companies seem to be happy with the insurance side of things as I am covered for everything related to window cleaning water fed pole method.

How do we rate insurance companies?

I rate them by easy of getting covered for exactly what I require, gleaming were very expensive and offered less cover for nearly double the premium, and yes I have tried them 2 years for quotes and still expensive every time.

Member

Was with simply business would not recommend them at all, gleaming all the way!!

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Hotwash window cleaners said:

Why? Have you had reason to claim on public liability insurance? Please explain. I use them for 2 years with no problems. I pick up lots of commercial work and the insurance is included in my RAMS and all the companies seem to be happy with the insurance side of things as I am covered for everything related to window cleaning water fed pole method.

How do we rate insurance companies?

I rate them by easy of getting covered for exactly what I require, gleaming were very expensive and offered less cover for nearly double the premium, and yes I have tried them 2 years for quotes and still expensive every time.

Aviva were also very expensive on the public liability insurance too.

What do you get for the extra financial cost of the insurance?

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I was gonna ask the same. A bit of detail as to why you wouldn't recommend them would help.
I'm with Simply Business after an offer popped up via Vistaprint which offered me public liabilty for £69 - £25 off(total £44) which suited me perfectly as I've only just started back up in the business in Feb of this year.

Member

I was gonna ask the same. A bit of detail as to why you wouldn't recommend them would help.
I'm with Simply Business after an offer popped up via Vistaprint which offered me public liabilty for £69 - £25 off(total £44) which suited me perfectly as I've only just started back up in the business in Feb of this year.